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Company Registration No. 05788165 (England and Wales)
Newquay Mortgage and Pensions Limited Unaudited accounts for the year ended 30 September 2026
Newquay Mortgage and Pensions Limited Unaudited accounts Contents
Page
Company information
3
Statement of financial position
4
Notes to the accounts
5
- 2 -
Newquay Mortgage and Pensions Limited Company Information for the year ended 30 September 2026
Directors
Andrew Willmott Jacob Leech
Secretary
Andrew Willmott
Company Number
05788165 (England and Wales)
Registered Office
Newquay Mortgage & Pensions 6 Chesterton Place Chester Road Newquay Cornwall TR7 2RU England
Accountants
Chynance Accountancy Services Ltd 2 King Mark House Stret Constantine Newquay Cornwall TR7 1GF
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Newquay Mortgage and Pensions Limited Statement of financial position as at 30 September 2026
2026 
2025 
Notes
£ 
£ 
Fixed assets
Tangible assets
4
2,413 
765 
Investments
5
79,945 
105,120 
82,358 
105,885 
Current assets
Debtors
6
98,478 
76,216 
Cash at bank and in hand
38,613 
45,708 
137,091 
121,924 
Creditors: amounts falling due within one year
7
(73,060)
(51,987)
Net current assets
64,031 
69,937 
Total assets less current liabilities
146,389 
175,822 
Creditors: amounts falling due after more than one year
8
(41,203)
(61,335)
Provisions for liabilities
Other provisions
(356)
(356)
Net assets
104,830 
114,131 
Capital and reserves
Called up share capital
10 
10 
Profit and loss account
104,820 
114,121 
Shareholders' funds
104,830 
114,131 
For the year ending 30 September 2026 the company was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies. The members have not required the company to obtain an audit in accordance with section 476 of the Companies Act 2006.
The directors acknowledge their responsibilities for complying with the requirements of the Act with respect to accounting records and the preparation of accounts.
These accounts have been prepared and delivered in accordance with the provisions applicable to companies subject to the small companies' regime and in accordance with the provisions of FRS 102 Section 1A - Small Entities. The profit and loss account has not been delivered to the Registrar of Companies.
The financial statements were approved by the Board of Directors and authorised for issue on 15 October 2026 and were signed on its behalf by
Andrew Willmott Director Company Registration No. 05788165
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Newquay Mortgage and Pensions Limited Notes to the Accounts for the year ended 30 September 2026
1
Statutory information
Newquay Mortgage and Pensions Limited is a private company, limited by shares, registered in England and Wales, registration number 05788165. The registered office is Newquay Mortgage & Pensions, 6 Chesterton Place, Chester Road, Newquay, Cornwall, TR7 2RU, England.
2
Compliance with accounting standards
The accounts have been prepared in accordance with the provisions of FRS 102 Section 1A Small Entities. There were no material departures from that standard.
3
Accounting policies
The principal accounting policies adopted in the preparation of the financial statements are set out below and have remained unchanged from the previous year, and also have been consistently applied within the same accounts.
Basis of preparation
The accounts have been prepared under the historical cost convention as modified by the revaluation of certain fixed assets.
Presentation currency
The accounts are presented in £ sterling.
Tangible fixed assets and depreciation
Tangible assets are included at cost less depreciation and impairment. Depreciation has been provided at the following rates in order to write off the assets over their estimated useful lives:
Computer equipment
25% Reducing Balance
Investments
Long terms Digital asset Investments are included at original cost price.
4
Tangible fixed assets
Computer equipment 
£ 
Cost or valuation
At cost 
At 1 October 2025
58,501 
Additions
2,452 
At 30 September 2026
60,953 
Depreciation
At 1 October 2025
57,736 
Charge for the year
804 
At 30 September 2026
58,540 
Net book value
At 30 September 2026
2,413 
At 30 September 2025
765 
- 5 -
Newquay Mortgage and Pensions Limited Notes to the Accounts for the year ended 30 September 2026
5
Investments
Other investments 
£ 
Valuation at 1 October 2025
105,120 
Additions
36,665 
Disposals
(61,840)
Valuation at 30 September 2026
79,945 
Digital Asset Investments The company holds digital assets as a long-term investment. The investments are initially recognised at cost and subsequently accounted for in accordance with the company's accounting policy and the requirements of FRS 102. During the financial year, the company disposed of part of its holdings, with the losses arising on disposals accounted for in the financial statements as appropriate. The original cost of the digital asset investments remaining is £79,945. At the balance sheet date, the market value of the remaining holdings was £50,829, representing a decrease of £29,116 compared with the original investment cost. The directors have considered the reduction in market value at the balance sheet date and assessed the appropriate carrying value of the investments in accordance with the company's accounting policy and the requirements of FRS 102. They remain valued in the Company Balance Sheet at cost, being £79,945. Gains/losses are accounted for when realised and the directors consider the value will increase in the future.
6
Debtors
2026 
2025 
£ 
£ 
Amounts falling due within one year
Trade debtors
98,478 
76,216 
7
Creditors: amounts falling due within one year
2026 
2025 
£ 
£ 
Bank loans and overdrafts
12,820 
10,000 
Taxes and social security
47,441 
41,572 
Loans from directors
11,537 
415 
Accruals
1,262 
- 
73,060 
51,987 
8
Creditors: amounts falling due after more than one year
2026 
2025 
£ 
£ 
Bank loans
41,203 
61,335 
9
Average number of employees
During the year the average number of employees was 8 (2025: 7).
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